When you're a parent, estate planning stops being abstract and becomes urgent. If something happens to you, who raises your children? Who manages your assets? These are the questions that drive millions of young families to search for an online will service every year.
Two services have carved out a niche specifically for families: Trust & Will (the estate planning specialist) and Fabric by Gerber (the service that combines estate planning with life insurance). Here's how they compare in 2026.
Choose Trust & Will if you want the most comprehensive estate planning documents — especially if you need a living trust, couples' wills, or more complex estate structures. Their documents are thorough and specifically designed for estate planning.
Choose Fabric if you're a new parent who wants to quickly create a basic will and get life insurance in one place. Fabric's free will tier and Gerber Life integration make it uniquely appealing for young families on a budget.
| Feature | Trust & Will | Fabric by Gerber |
|---|---|---|
| Individual Will Price | $89 (one-time) | Free (basic will) |
| Couples' Wills | $149 (both partners) WINNER | Not available as package |
| Living Trust | $199 — comprehensive WINNER | Not available |
| Power of Attorney | ✅ Included in plans | ✅ Included |
| Healthcare Directive | ✅ Included in plans | ✅ Included |
| Life Insurance | ❌ Not available | ✅ Gerber Life integration WINNER |
| Free Option | No free tier | ✅ Free basic will WINNER |
| Attorney Review | Available as add-on | Not available |
| Document Updates | Annual membership available | Free updates (for will) |
| State-Specific Docs | ✅ All 50 states | ✅ All 50 states |
| Mobile App | Web-based + mobile-friendly | ✅ Dedicated iOS/Android app |
| Best For | Comprehensive estate planning | New parents, basic wills + life insurance |
Trust & Will launched in 2017 with a clear focus: make professional-grade estate planning accessible online. In 2026 they remain one of the most-recommended services for individuals and couples who want thorough, state-specific estate planning documents.
Trust & Will offers three main packages:
The couples' package is particularly noteworthy — having both partners' wills done simultaneously for $149 is significantly cheaper than creating two individual wills separately. For married couples and domestic partners, this is the best estate planning value we've found.
Start your individual will, couples' plan, or living trust — attorney-quality documents without attorney prices.
Get Started with Trust & Will →Fabric is unique in the online legal services world: it's built by a financial services company (Gerber Life) and combines estate planning with term life insurance in a single app. This approach makes it particularly compelling for young parents who need both.
Fabric's free will is a legitimately valid estate planning document, not a limited trial. It's state-specific, covers all the basics (executor, beneficiaries, guardians for children), and can be updated at any time. For simple estates, it does the job well.
The limitations: no living trust, no couples' package, and less depth for complex estates with business ownership, blended families, or significant assets. For those situations, Trust & Will's paid options are clearly superior.
Fabric's integration with Gerber Life is its biggest differentiator. You can apply for term life insurance within the same app where you create your will — and the beneficiary information flows between both. For a new parent who needs both a will and life insurance and wants to handle both in one session, Fabric is genuinely convenient.
Create a basic will for free and get life insurance coverage through Gerber Life, all in one app.
Get Started with Fabric →Fabric wins on price for basic wills — free is hard to beat. But Trust & Will's $149 couples' package often works out better value than two individual Fabric accounts if you have a partner and want more comprehensive documents.
If budget is the primary concern and your estate is simple, start with Fabric's free will to get something in place, then consider upgrading to Trust & Will when your financial picture becomes more complex.
Also consider: if you're exploring all options, our Best Online Will Maker 2026 guide compares five major services including Trust & Will, Fabric, LegalZoom, Rocket Lawyer, and Nolo.